Why should I insure my car in Switzerland?
Most people have had to deal with car insurance at least once in their lifetime. The reason is pretty obvious – we all drive cars every day, therefore the probability of a traffic accident automatically increases. Even if your skills behind the wheel are above average, this doesn’t mean you are 100% safe. Unfortunately, we usually do not have any influence on the behaviour of other road users.
Coverage for personal belongings
Only four cantons require a person to insure household content in Switzerland: Nidwalden, Vaud, Fribourg and Jura. Although in other cantons, this type of insurance is “merely” voluntary, it provides the security you need to truly feel at home within your own four walls. Under this insurance, the movable items are covered, no matter what happens. All things permanently attached to the building are covered by building insurance purchased by the homeowner.
Proper coverage for your two-wheeler
Features of motorcycle insurance are similar to those of bike insurance. Third-party liability insurance is compulsory, and proof of this must be presented when registering the motorcycle at the transport department, whether your vehicle is new or used. In the case of new motorbikes, you also have to present the vehicle data card, which can be obtained from a vehicle dealer. If you are not the motorcycle’s first owner, you must carry the previous documents the vehicle.
Legal expenses insurance for a private individual in Switzerland
It is difficult to avoid conflicts in life. As a neighbour, tenant, employee, consumer or road user, almost everyone experiences a difference of opinion. If that leads to a legal dispute, high fees might be imposed. Although final costs usually depend on which of the sides is at fault, you still have to pay a solicitor or other legal aid before you’re able to prove your innocence.
Public liability insurance for individuals in Switzerland
It really doesn't take much – your child may break the window of the neighbour's house while playing football, or you may pour red wine on the snow-white carpet in a luxury hotel during a romantic weekend. Of course, these are not intentional actions, but someone has to pay for the damage. And in this case, you are the "perpetrator" or their legal guardian.
Insurance for cross-border commuters in Switzerland
It’s impossible to commute to Switzerland without health insurance. Even if you live abroad, you must be able to prove you have health insurance effective on the first day of your employment. Depending on where you live and what’s your citizenship, there are different ways of fulfilling that obligation.
Pension Insurance in Switzerland - Three Pillars
If you want to live peacefully when retired, you should take care of your pension insurance throughout working life. In Switzerland, the pension scheme consists of three pillars (Säulen).
Travel insurance in Switzerland
A vacation can be planned and organised very carefully and in detail, but something unexpected can always happen and prevent the trip or cause stress during it. Travel insurance ensures you are never left without assistance, no matter what problems you encounter before or during your journey. Say you fall ill two days before the start of your vacation. Or suffer an accident at your holiday destination preventing you from continuing your stay. Travel insurance will take care of everything so you can prepare for your adventure without worry. You can simply look forward to a great time.
Security deposit insurance – unlock your money!
Although submitting a deposit at the beginning of the tenancy period isn’t required by law, numerous property owners opt for it. Swiss Code of Obligations (Obligationsrecht - OR) allows lessors to demand a rental guarantee equal to one- to three-month rent.
Currently, in Switzerland, we have about sixty Health Insurance Funds – although having basic health insurance is obligatory, everyone can freely choose their Health Insurance Fund. Basic insurance must be provided by each Fund – this is a regulation contained in the Swiss Health Insurance Act. However, the contributions may vary depending on the insurance model and, of course, the Fund itself – choosing the right fund can make you save, for example, if you opt for the telemedicine model, in which the first medical advice is obtained by phone or via mobile application.
We are aware that finding and selecting the right insurance type is no mean feat. All of us want to have a policy to meet our needs and ensure the payment of an appropriate amount of money.
We understand it all and know how to help you. Among several offers, we select the one which is the most beneficial for you. We take into consideration your life situation, financial capabilities, needs, and expectations.
What is important, you can always count on our help, even after the conclusion of the contract. We will remain in regular telephone contact – we will not leave you alone.